{"id":29012,"date":"2022-05-25T17:30:26","date_gmt":"2022-05-25T15:30:26","guid":{"rendered":"https:\/\/www.mgc.es\/?p=29012"},"modified":"2023-05-26T14:45:58","modified_gmt":"2023-05-26T12:45:58","slug":"que-son-els-unit-linked","status":"publish","type":"post","link":"https:\/\/www.mgc.es\/ca\/blog\/que-son-els-unit-linked\/","title":{"rendered":"Qu\u00e8 s\u00f3n els unit linked? | Descobreix-ho!"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\"><p class=\"ez-toc-title\" style=\"cursor:inherit\">\u00cdndex de continguts<\/p>\n<\/div><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.mgc.es\/ca\/blog\/que-son-els-unit-linked\/#Que_son_els_unit_linked\" >Qu\u00e8 s\u00f3n els unit linked?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.mgc.es\/ca\/blog\/que-son-els-unit-linked\/#Com_tributen\" >Com tributen?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.mgc.es\/ca\/blog\/que-son-els-unit-linked\/#Avantatges_i_desavantatges_daquest_producte_financer\" >Avantatges i desavantatges d&#8217;aquest producte financer<\/a><\/li><\/ul><\/nav><\/div>\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"880\" height=\"587\" src=\"https:\/\/www.mgc.es\/wp-content\/uploads\/2023\/05\/\u00bfQue-son-los-unit-linked-880x587.jpg\" alt=\"\" class=\"wp-image-28999\" srcset=\"https:\/\/www.mgc.es\/wp-content\/uploads\/2023\/05\/\u00bfQue-son-los-unit-linked-880x587.jpg 880w, https:\/\/www.mgc.es\/wp-content\/uploads\/2023\/05\/\u00bfQue-son-los-unit-linked-440x293.jpg 440w, https:\/\/www.mgc.es\/wp-content\/uploads\/2023\/05\/\u00bfQue-son-los-unit-linked-768x512.jpg 768w, https:\/\/www.mgc.es\/wp-content\/uploads\/2023\/05\/\u00bfQue-son-los-unit-linked-1536x1024.jpg 1536w, https:\/\/www.mgc.es\/wp-content\/uploads\/2023\/05\/\u00bfQue-son-los-unit-linked-2048x1365.jpg 2048w\" sizes=\"auto, (max-width: 880px) 100vw, 880px\" \/><\/figure>\n\n\n\n<p><strong>Els <\/strong><strong><em>unit linked<\/em><\/strong>, tamb\u00e9 coneguts com a assegurances de vida amb capitalitzaci\u00f3, s\u00f3n productes financers que combinen la protecci\u00f3 i cobertura d&#8217;una asseguran\u00e7a de vida amb les oportunitats d&#8217;inversi\u00f3 que ofereixen els fons d&#8217;inversi\u00f3. Aquests productes s&#8217;han tornat cada vegada m\u00e9s populars entre inversors i els qui busquen <strong>maximitzar el capital a llarg termini<\/strong>. En aquest article, explorarem detalladament qu\u00e8 s\u00f3n, com tributen i els seus avantatges i desavantatges.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Que_son_els_unit_linked\"><\/span><strong>Qu\u00e8 s\u00f3n els <\/strong><strong><em>unit linked<\/em><\/strong><strong>?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Els <em>unit linked<\/em> s\u00f3n productes financers que permeten als assegurats invertir en una varietat d&#8217;actius financers, com ara accions, bons, fons mutus i m\u00e9s. En contractar-los, la persona assegurada adquireix una <strong>p\u00f2lissa d&#8217;asseguran\u00e7a de vida<\/strong> que li brinda protecci\u00f3 i beneficis addicionals en cas de defunci\u00f3 o invalidesa.<\/p>\n\n\n\n<p>Per\u00f2 la seva particularitat \u00e9s que, a m\u00e9s a m\u00e9s de la cobertura de l&#8217;asseguran\u00e7a de vida, es t\u00e9 l&#8217;opci\u00f3 de <strong>destinar una part de les primes a la inversi\u00f3 en diferents fons<\/strong>, d&#8217;acord amb el perfil de risc i els objectius financers que es tinguin.<\/p>\n\n\n\n<p>A difer\u00e8ncia d&#8217;altres productes d&#8217;inversi\u00f3, els <em>unit linked<\/em> ofereixen una <strong>gran flexibilitat<\/strong> <strong>i transpar\u00e8ncia<\/strong>. A m\u00e9s, es poden realitzar aportacions addicionals al llarg del temps i canviar l&#8217;assignaci\u00f3 dels actius en funci\u00f3 de les necessitats que es tinguin i del rendiment que hi hagi en el mercat. D&#8217;aquesta manera, es permet adaptar l&#8217;estrat\u00e8gia d&#8217;inversi\u00f3 a mesura que evolucionen les circumst\u00e0ncies personals i econ\u00f2miques de la persona assegurada.<\/p>\n\n\n\n<p>No obstant aix\u00f2, com en qualsevol inversi\u00f3 financera, mai hi ha una garantia al 100% que es vagi a aconseguir una rendibilitat m\u00ednima, sin\u00f3 que <strong>sempre hi ha un risc associat<\/strong>. D&#8217;altra banda, les companyies asseguradores solen establir un l\u00edmit m\u00e0xim en les modificacions anuals que es poden realitzar sense comissi\u00f3. Superat aquest l\u00edmit, s&#8217;afegiria un cost.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Com_tributen\"><\/span><strong>Com tributen?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Pel que fa a la fiscalitat, els <em>unit linked<\/em> compten amb un tractament tributari particularment atractiu. <strong>Els guanys generats per la inversi\u00f3 en aquests productes no es graven immediatament<\/strong>, la qual cosa permet aprofitar l&#8217;efecte de l&#8217;inter\u00e8s compost a llarg termini.<\/p>\n\n\n\n<p>A l&#8217;hora de tributar pels guanys, poden donar-se dues situacions. La primera \u00e9s que la persona assegurada rescati el capital en algun moment concret. En aquest escenari, la difer\u00e8ncia entre l&#8217;aportaci\u00f3 en la contractaci\u00f3 i el valor que finalment s&#8217;obt\u00e9 \u00e9s la quantitat que tributar\u00e0 en la <strong>declaraci\u00f3 de l&#8217;IRPF, dins de l&#8217;apartat del rendiment de capital mobiliari<\/strong>. La segona opci\u00f3 \u00e9s que <strong>la persona assegurada mori<\/strong>. Aqu\u00ed la tributaci\u00f3 \u00e9s diferent, ja que els beneficiaris declararien els beneficis en l&#8217;<strong>Impost de Successions<\/strong>.<\/p>\n\n\n\n<p>Tanmateix, aquesta manera d&#8217;operar no \u00e9s la que hi ha hagut sempre, i de no con\u00e8ixer l&#8217;actual regulaci\u00f3, es podria contractar aquest producte financer amb una idea err\u00f2nia. <a href=\"https:\/\/www.grupoaseguranza.com\/noticias-de-seguros\/hacienda-obligara-tributar-unit-linked-como-impuesto-sobre\">Fins a 2017, les persones prenedores d&#8217;aquestes p\u00f2lisses declaraven en l&#8217;Impost sobre el Patrimoni<\/a>, per\u00f2 es recorria a estrat\u00e8gies per a no tributar. Per exemple, establir un beneficiari irrevocable; una acci\u00f3 que est\u00e0 penalitzada.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"880\" height=\"587\" src=\"https:\/\/www.mgc.es\/wp-content\/uploads\/2023\/05\/\u00bfQue-son-los-unit-linked-\u00a1Descubrelo-880x587.jpg\" alt=\"\" class=\"wp-image-29001\" srcset=\"https:\/\/www.mgc.es\/wp-content\/uploads\/2023\/05\/\u00bfQue-son-los-unit-linked-\u00a1Descubrelo-880x587.jpg 880w, https:\/\/www.mgc.es\/wp-content\/uploads\/2023\/05\/\u00bfQue-son-los-unit-linked-\u00a1Descubrelo-440x293.jpg 440w, https:\/\/www.mgc.es\/wp-content\/uploads\/2023\/05\/\u00bfQue-son-los-unit-linked-\u00a1Descubrelo-768x512.jpg 768w, https:\/\/www.mgc.es\/wp-content\/uploads\/2023\/05\/\u00bfQue-son-los-unit-linked-\u00a1Descubrelo-1536x1024.jpg 1536w, https:\/\/www.mgc.es\/wp-content\/uploads\/2023\/05\/\u00bfQue-son-los-unit-linked-\u00a1Descubrelo-2048x1365.jpg 2048w\" sizes=\"auto, (max-width: 880px) 100vw, 880px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Avantatges_i_desavantatges_daquest_producte_financer\"><\/span><strong>Avantatges i desavantatges d&#8217;aquest producte financer<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Com tot producte financer, els <em>unit linked<\/em> tenen els seus avantatges i desavantatges, i \u00e9s necessari con\u00e8ixer ambd\u00f3s abans de contractar-ho. A continuaci\u00f3, analitzarem alguns aspectes importants a considerar abans de decidir-se a invertir en aquesta mena d&#8217;asseguran\u00e7a de vida amb capitalitzaci\u00f3.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Avantatges<\/strong><\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">Potencial de creixement<\/h4>\n\n\n\n<p>El potencial de creixement \u00e9s <strong>superior en comparaci\u00f3 amb els productes d&#8217;estalvi tradicionals<\/strong>, ja que permeten la inversi\u00f3 en una varietat d&#8217;actius financers, com el mercat d&#8217;accions, bons, fons mutus i altres instruments per a augmentar els guanys.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Diversificaci\u00f3 i flexibilitat<\/strong><\/h4>\n\n\n\n<p>La possibilitat de diversificar les inversions ajuda a reduir el risc associat amb la volatilitat dels mercats financers. Si un sector o una regi\u00f3 geogr\u00e0fica espec\u00edfica es veu afectada, <strong>les altres inversions poden equilibrar el rendiment<\/strong> general de la teva cartera. A m\u00e9s, es poden realitzar aportacions addicionals i ajustar la distribuci\u00f3.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Preparaci\u00f3 de l&#8217;her\u00e8ncia<\/strong><\/h4>\n\n\n\n<p>Com a asseguran\u00e7a de vida, <strong>permet triar a una persona benefici\u00e0ria en particular, en lloc de repartir-se el benefici entre els hereus legals<\/strong>. Els <em>unit linked<\/em> no formen part de l&#8217;her\u00e8ncia en si mateixa, per la qual cosa se solen utilitzar tamb\u00e9 per a evitar de la rigidesa del sistema espanyol i poder deixar-li uns diners a qui es desitgi fora de la fam\u00edlia.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Desavantatges<\/strong><\/h3>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Risc de mercat<\/strong><\/h4>\n\n\n\n<p>Encara que la diversificaci\u00f3 ajuda a mitigar el risc, estan <strong>subjectes a les fluctuacions i la volatilitat del mercat<\/strong>, i el valor de les inversions pot disminuir en moments de caigudes. \u00c9s recomanable avaluar la toler\u00e0ncia al risc i diversificar adequadament per a mitigar-lo.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Costos associats<\/strong><\/h4>\n\n\n\n<p>Com en qualsevol producte financer, hi ha <strong>comissions de gesti\u00f3, c\u00e0rrecs per administraci\u00f3 i altres despeses relacionades<\/strong>. \u00c9s essencial comprendre com poden afectar el rendiment de les teves inversions al llarg del temps.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.mgc.es\/seguro-ahorro-unit-linked\/\">Contractar una asseguran\u00e7a d&#8217;estalvi <em>unit linked<\/em><\/a> \u00e9s una <strong>manera de fer cr\u00e9ixer els teus estalvis<\/strong>, ja que disposes d&#8217;assessorament personalitzat, diversificaci\u00f3 en les inversions i liquiditat immediata, en ser <strong>gestionats per professionals experts<\/strong>. Encara que sempre hi ha un cert risc associat, el seu nivell m\u00e0xim es pot establir per a ajustar-se al perfil de la persona inversora.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Avantatges<\/strong><\/td><td><strong>Desavantatges<\/strong><\/td><\/tr><tr><td>&#8211; <strong>Potencial de creixement<\/strong>. Possibilitat d&#8217;invertir en diferents actius financers.<\/td><td>&#8211; <strong>Risc de mercat<\/strong>. Subjectes a les fluctuacions i la volatilitat del mercat.<\/td><\/tr><tr><td>&#8211; <strong>Diversificaci\u00f3 i flexibilitat<\/strong>. Es pot equilibrar el rendiment entre inversions i fer aportacions addicionals.<\/td><td>&#8211; <strong>Costos associats.<\/strong> Comissions de gesti\u00f3, c\u00e0rrecs per administraci\u00f3 i altres despeses relacionades.<\/td><\/tr><tr><td>&#8211; <strong>Preparaci\u00f3 de l&#8217;her\u00e8ncia<\/strong>. Permet triar persona benefici\u00e0ria fos del que estableix la normativa espanyola en mat\u00e8ria d&#8217;her\u00e8ncies.<\/td><td><\/td><\/tr><\/tbody><\/table><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>Els unit linked, tamb\u00e9 coneguts com a assegurances de vida amb capitalitzaci\u00f3, s\u00f3n productes financers que combinen la protecci\u00f3 i cobertura d&#8217;una asseguran\u00e7a de vida amb les oportunitats d&#8217;inversi\u00f3 que ofereixen els fons d&#8217;inversi\u00f3. Aquests productes s&#8217;han tornat cada vegada m\u00e9s populars entre inversors i els qui busquen maximitzar el capital a llarg termini. En [&hellip;]<\/p>\n","protected":false},"author":25,"featured_media":28999,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16],"tags":[509,402,481],"class_list":["post-29012","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assegurances","tag-asseguranca-salut","tag-centre-medic","tag-prevencio"],"featured_image_src":"https:\/\/www.mgc.es\/wp-content\/uploads\/2023\/05\/\u00bfQue-son-los-unit-linked-scaled.jpg","author_info":{"display_name":"digitalgrowth","author_link":"https:\/\/www.mgc.es\/ca\/blog\/author\/digitalgrowth\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Qu\u00e8 s\u00f3n els unit linked? | Descobreix-ho! - MGC M\u00fatua<\/title>\n<meta name=\"description\" content=\"En aquest article, explorarem detalladament qu\u00e8 s\u00f3n els unit linked, com tributen i els seus avantatges i desavantatges\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.mgc.es\/ca\/blog\/que-son-els-unit-linked\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Qu\u00e8 s\u00f3n els unit linked? 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